1. Protect your computer and its software

In order to ensure that your data and money remain secure, we would ask that you observe the security requirements.

As viruses and spyware become more and more widespread they can cause serious security problems. To avoid confidential and personal information falling into the hands of and potentially being misused by third parties, make sure your computer’s secure. Use the latest versions of your web browser and operating system. Any computer you use to access the Internet Bank should be equipped with the following:

Personal firewall. A firewall is the filter between the network part of your computer and the Internet which stops it from communicating with ‘strange’ or ‘wrong’ programmes. Firewalls are crucial on laptops and in the case of home Internet packages where the service provider doesn’t filter network communication. Zone Labs offers a free firewall for personal use called ZoneAlarm.

Software manufacturers constantly update their software so as to prevent it from being misused. Always make sure your computer’s using the latest version of the software. Don’t put off security updates. Also set your mobile phone to automatically update the software that’s installed on it.

Don’t upload software onto your computer from unknown websites. Don’t use pirate software. If you upload software onto your computer whose origins are unknown you put all of the information on your computer at risk, since the software could well be hiding malware.

2. Be careful how you store your user ID, password and code device

Your Danske Internet Bank user ID, password and codes on your code device should be stored so that no one but you knows what they are. Don’t write your user ID or password on the code device or anywhere else in a way that will allow someone else to work out what they are. We recommend keeping your codes separate from the everyday items you carry around (such as your wallet or diary).

Make sure your children and the older members of your family are also aware of and follow the security requirements.

Don’t give your password or codes to anyone else in your family or to any of your friends. If someone close to you needs to use your account, you can grant them the rights they need to do so. In such a case they’re issued with their own security elements and you can establish separate user rights and transaction limits for them. That way it’s easy to determine who forwarded what transaction to the bank.

User rights can be restricted. For example, you can give another user the right to only look at your account, not perform any transactions in it.

Don’t trust e-mails asking you to send your Internet Bank ID or codes or bank card details. The Bank will never ask you for passwords or codes after they’re issued. In all likelihood anyone who does ask will be phishing (which means they’re sending out junk mail-type letters in the hope of misleading the recipient and getting them to provide confidential information). Don’t click on any links or open any attachments in e-mails whose origins you’re not sure of. The Bank will never send you an e-mail asking you to install additional software. Don’t open any files that have been sent to you by people you don’t know either. If you’re not sure about the content of the file, ask the person who sent it before you open it.

When you enter the Internet Bank and perform actions there, make sure that each time you’re directed to a new page you’re still on the Danske Bank website. There is a reference to an encrypted connection in the website’s address (beginning https://), which is www.danskebank.ee.

If you’re using Mobile ID, always make sure before entering your PIN that the code shown on the screen is the same as the code you’re shown on the Internet Bank page when logging in. If the code isn’t the same, don’t enter your PIN and inform the bank immediately.

If you lose your user ID, password or codes or suspect that a third party has found out what they are, block the use of the Internet Bank immediately. To do this, call Danske Bank on 6 800 800 or contact the Danske Bank Business Centre. If you can, change your password straight away in the Internet Bank.

3. Set limits on transactions

When you enter into an agreement for the use of the Internet Bank (a Teleservices agreement) you’re given the option of setting maximum amounts on transactions that can be performed per day or per week. You can (and must) also set limits on your bank cards. By setting daily and weekly limits you significantly reduce the potential damage arising from fraud should a stranger gain access to your accounts or perform transactions using your bank cards.

We recommend choosing limits according to your actual daily and weekly needs. You can check the limits you’ve set in your agreement. While your agreement remains valid you can amend the limits at any time at a Danske Bank Business Centre. In the interests of security your transaction limits are not displayed to you in the Internet Bank.

4. Keep an eye on what’s happening in your account

If you come across a transaction in your account that you didn’t authorise, inform the bank about it straight away. Also let the bank know immediately if the security elements you’re using have become known to third parties or whether your credit or debit card is lost or stolen. If your bank card or security elements are misused you should also make a statement to the police.

If you don’t inform the bank that your security elements are lost or stolen, you will be held responsible for any transactions performed in your account. In such case the Bank has the right to apply its rate of excess, which in the case of consumers is up to 150 euros per day.

The Bank’s obligation

Should the Bank suspect that your security elements have become known to a third party or that transactions have been performed in your account that you haven’t authorised, the Bank will either block the performance of transactions via teleservices or block your debit or credit card, as appropriate.

5. Make sure you’re familiar with the terms and conditions of Internet payments

When buying things online, make sure the online store is secure. Every online store website should have information about the name and seat of the company and the e-mail address and telephone number you can use to contact them if you have any problems. There should also be information about the delivery and return of goods, the procedure for lodging complaints and the terms and conditions of warranties. Be sure to take a look at the terms and conditions of ordering and returning items, check the seller’s background and search for additional information about their previous activities and behaviour with customers. If the information on the website isn’t very thorough, ask them for more details.

Transactions can be performed online using both debit and credit cards. When purchasing something using a card, make sure the online store has joined the 3D Secure service. Whether the merchant is part of the 3D Secure system is shown by the MasterCard SecureCode logo on their website.

Card transactions that are part of the SecureCode service require you to also confirm them using your Internet Bank user ID and password or code. Once you’ve been identified in the Internet Bank, you’re redirected to the merchant for final confirmation of payment. Make sure the card details you enter can’t be repeatedly used without your confirmation. Don’t save your card details on the service provider’s site or give the service provider permission to automatically debit money from your account in future.

Never leave your card unattended or tell anyone its PIN or CSV code (the three-digit number printed on the back of debit or credit cards). When paying with a card, never allow the person serving you to take the card out of your sight.

If you don’t make any payments online using your card, we recommend submitting an application to the bank to make Internet payments impossible. That way your card can never be used to perform transactions online.

6. Make sure you log out of the Internet Bank securely

To log out of the Internet Bank securely you should click on ‘Exit’ and close the browser.

If you have any security-related doubts, call Danske Bank immediately on 6 800 800 (8:00-19:00 Monday-Friday) and have access to your accounts in the Internet Bank temporarily suspended.

If possible, avoid using the Internet Bank in public places. If you nevertheless need to use it in public, make sure afterwards that you’ve closed the browser window.

Also make sure you take a look at the Teleservices terms and conditions, which explain the rules pertaining to user identification and the performance of transactions, requirements for ensuring security and the liability of parties.